Business Details
Trusted VA & USDA Loan Lenders in Houston
Security America Mortgage is a specialized mortgage lending company dedicated to helping veterans, active-duty service members, and their families achieve homeownership through tailored loan solutions. With expertise in VA One-Time Close Construction Loans, USDA Construction Loans, and other specialized mortgage programs, we streamline the financing process for land purchases, home construction, and renovations. Our team prioritizes personalized service, guiding clients through every step from pre-approval to closing while emphasizing transparency, competitive rates, and compliance with VA and USDA standards.We serve clients nationwide, focusing on eliminating the complexities of traditional two-close construction loans by offering single-transaction solutions. Our commitment to military families is reflected in our 0% down payment options, no private mortgage insurance requirements, and flexible eligibility criteria designed to accommodate veterans' unique financial situations.
Services
VA Loans
USDA Construction Loans
Jumbo Loans
Renovation Loans
Construction Financing
Cash-Out Refinance
Energy Efficient Loans
Supplemental Loans
Highlights and features
- We offer VA One-Time Close Construction Loans with 0% down payment
- Our team consists of certified experts with extensive mortgage experience
- We provide single-closing solutions combining land purchase, construction, and permanent financing
- Our loan officers specialize in VA, USDA, and jumbo loan programs
- We guarantee transparent processes with no hidden fees
What people say
Great service
Knowledgeable team
Efficient process
Veteran-focused
Competitive rates
Services
VA One-Time Close Construction Loans
These loans combine land purchase, construction financing, and permanent mortgage into a single transaction. Borrowers benefit from 0% down payment requirements and no need for separate approvals. The program simplifies building a primary residence while maintaining VA loan protections. Eligibility requires VA certification, credit score above 620, and debt-to-income ratio below 41%.
USDA Construction Loans
Designed for rural home construction with 100% financing options. These loans allow single-closing transactions for land purchase and home building. They require minimum credit score of 640 and licensed contractors. Properties must meet USDA rural development criteria, excluding condominiums and multi-unit structures.
VA Renovation Loans
Finance home improvements through VA-backed loans. Available for primary residences needing repairs or upgrades. Requires VA-approved contractors and completion of work within 90 days. Covers structural repairs but excludes luxury additions like swimming pools. Minimum credit score requirements apply.
VA Jumbo Loans
Provide financing for homes exceeding standard VA loan limits. Available in high-cost areas with loan amounts up to $970,800. Maintain VA benefits like no down payment while requiring full entitlement restoration. Interest rates typically higher than standard VA loans but lower than conventional jumbo mortgages.
Energy Efficient Loans
Specialized financing for energy-saving home improvements. Covers solar panels, insulation, and efficient HVAC systems. Can be added to existing VA loans with upfront funding fee payment. Allows self-installation for certain equipment while maintaining VA loan guarantees.
People
Garrett Puckett
CEO
With over 15 years in mortgage banking, Garrett specializes in VA loan programs. He leads Security America Mortgage's strategic direction while maintaining active involvement in veteran outreach initiatives.
Jason Noble
COO
Jason oversees daily operations and loan processing. His 12-year VA loan expertise ensures compliance with military family needs while managing client relationships across multiple states.
Mark Vela
RMLO
As a licensed originator, Mark specializes in Texas VA construction loans. He coordinates with builders and veterans to facilitate complex transactions while maintaining 24/7 client availability.
Questions
What is a VA One-Time Close Construction Loan?
This loan combines land purchase, construction, and permanent financing into one transaction with no down payment required for eligible veterans.
Can I buy land with a USDA Construction Loan?
Yes, USDA OTC loans allow land purchase specifically for new home construction but not standalone land investments.
What credit score is needed for VA renovation loans?
Minimum credit score of 620 is typically required, with some flexibility based on residual income and debt-to-income ratio.
Do VA Jumbo Loans require down payment?
Full entitlement holders may avoid down payments, but loans exceeding county limits might require partial payment depending on lender policies.
How long do VA loan renovations take?
Repairs must complete within 90 days from closing, with mandatory VA appraiser verification upon project completion.
